Since 1991, Harry Wilk has provided professional and experienced advice to achieve a long record of exceptional results for his clients.

Sigma Financial Group
Instant Term Life Quote System

We make term life insurance simple. It's easy to learn about the different term options and compare prices. Our Instant Term Quote Systemis provided with no obligation and no sales pressure. It is easy to use and when you are ready to apply or have questions just let us know. We are only a phone call (479-253-7343) or an email (click here to send email) away.

While no one can tell you up front exactly what rate class you will qualify for, you have to start somewhere. Below are some basic guidelines of where to begin your quoting. If in doubt about how your medical history, foreign travel plans, hobbies such as scuba diving or aviation will impact your rating, simply call (479-253-7343) or email (click here to send email) with details for a personal review and we will suggest a beginning rate class that you should use when shopping for your new policy.

Instant Term Life Quote System

State

Birthdate

GenderMaleFemale

Smoker / TobaccoNoYes

Health Class * (see explanations below)

Type of Insurance

Amount of Insurance

Health Class *

Preferred Plus Non Smoker (P+NS) is for applicants who have no "significant" medical history and are in excellent health with good family history and who have not used tobacco or nicotine products in the last 5 years. The P+NS applicant will also have excellent build i.e. Male 6'0" 206, Female 5'6" 161, a favorable driving record and no history of drug or alcohol abuse. No history of cancer, heart disease or diabetes. Most carriers also require U.S. Citizenship or Green Card.

Preferred Non Smoker (PNS) is for applicants who have who may have some medical history or use medication to control blood pressure or cholesterol. Still in pretty good health with good family history and who have not used tobacco or nicotine products in the last 3 years. The PNS applicant will have good build i.e. Male 6'0" 224, Female 5'6" 176, a favorable driving record and no history of drug or alcohol abuse. No history of cancer, heart disease or diabetes. Most carriers also require U.S. Citizenship or Green Card.

Standard Non Smoker (SNS) is for applicants who are in good health but may have some medical history or use medication to control blood pressure, cholesterol or some anxiety and occasionally a very well controlled adult onset diabetic will also qualify. Applicant must not have used tobacco or nicotine products in the last 12 months. The SNS build guidelines are more lenient as well, i.e. Male 6'0" 240, female 5'6" 200. A history of drug or alcohol abuse may be considered after 10 years. Some history of cancer, heart disease or diabetes may also qualify based on physician's records.

Smoker (SM) is for applicants who use tobacco or nicotine products. The Preferred and Standard Smoker classes follow much of the same guidelines as the PNS & SNS. Important note, some carriers distinguish between cigarette smokers and "other" tobacco or nicotine users. If you dip, chew, smoke a cigar or pipe, chew nicotine gum or use the patch please email us (click here to send email) with details; you may be able to save significantly over the Smoker rates. Or if you are just an "occasional" cigar smoker please email us (click here to send email) , you may be able to qualify for even P+NS.